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Anyone have advice for CLI for BCE? You have to enter what you want it raised to, as opposed to them raising you to whatever. I don't want to put it too high and get it rejected for that reason.
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Credit Karma for free , MyFICO paid.This probably has been asked before. But what are you guys favorite credit monitoring sites?
Anyone have advice for CLI for BCE? You have to enter what you want it raised to, as opposed to them raising you to whatever. I don't want to put it too high and get it rejected for that reason.
37k for a Kia is/was your first mistake. If your going to spend that much on a car buy one that hold value over time if your one to get the new car itch.So, I am TREMENDOUSLY upside down on my 2015 Kia Optim Hybrid Ex (with every option, sticker just around 37). I also have 32k miles on it. I went to the dealership to talk trade in options and they pulled my credit report from 2 of the bureaus and noticed that while my credit union gave me a better rate, they're not even reporting. Put that model and # of miles into KBB and I think you get like $14,000 or $15,000 current vaue of the car while I owe almost double that paying $470 a month. They bought up that I should just voluntary surrender it. They made it sound much better than what I am reading about it now, still a repo, but at most it'd just **** up probably 1 of my bureaus. What do yall think? I mean I goofed big time here, I also took out the loan over 7 yrs to get my payments there no many down (and gave them my 06 Grand Prix).
I joked about having gap insurance and "something" happening to the car and Meth didn't like that, so seems like my only options to pay Mercedes/BMW note for a Kia, which admittedly are extremely nice, feature filled, and reliable cars, their reputation just has to catch up, or just take that credit hit and get something that'll work better for me. I need an SUV. I saved up cash to get a cash SUV, used. Can free up that almost 5 bills a month.
I am also a Government worker with a secret security clearance, you can have a few credit bumps and things here and there but too many affect that status so I'm weighing that as well.
Homie its $500 just pay it off in full. I think you've "nickel and dime'd" the debit for a few years.*UPDATE*
Called the collections company about doing a pay for deletion.
They told me if i paid the 500 in full theyd report it as paid in full, but it is not eligible to be deleted for another year because the debt has to be considered delinquent for 2 years. Does this sound right?
Should i try calling back an try negotiating with another collector?
Lastly which is more likely to gain a higher credit score? Paying the collections and having it as "paid in full" status or paying down my utilization from lets say 80% to 35-40%?
Thank you guys for the help
Repped for this.
Credit Karma for free , MyFICO paid.
Repped for this.
Doesnt the govt offer a once a year credit check? Its been awhile since Ive done this myself but will check these out.
So, I am TREMENDOUSLY upside down on my 2015 Kia Optim Hybrid Ex (with every option, sticker just around 37). I also have 32k miles on it. I went to the dealership to talk trade in options and they pulled my credit report from 2 of the bureaus and noticed that while my credit union gave me a better rate, they're not even reporting. Put that model and # of miles into KBB and I think you get like $14,000 or $15,000 current vaue of the car while I owe almost double that paying $470 a month. They bought up that I should just voluntary surrender it. They made it sound much better than what I am reading about it now, still a repo, but at most it'd just **** up probably 1 of my bureaus. What do yall think? I mean I goofed big time here, I also took out the loan over 7 yrs to get my payments there no many down (and gave them my 06 Grand Prix).
I joked about having gap insurance and "something" happening to the car and Meth didn't like that, so seems like my only options to pay Mercedes/BMW note for a Kia, which admittedly are extremely nice, feature filled, and reliable cars, their reputation just has to catch up, or just take that credit hit and get something that'll work better for me. I need an SUV. I saved up cash to get a cash SUV, used. Can free up that almost 5 bills a month.
I am also a Government worker with a secret security clearance, you can have a few credit bumps and things here and there but too many affect that status so I'm weighing that as well.
I couldve sworn there was a score in the report but that website sounds familiar so maybe it was just the report as you mentioned.Annualcreditreport.com
It's only your report not your score but you get the report from all 3 credit bureaus
38k for a kia
could have copped a near new lexus with that bread and would now be worth twice what they giving you for that kia
*UPDATE*
Called the collections company about doing a pay for deletion.
They told me if i paid the 500 in full theyd report it as paid in full, but it is not eligible to be deleted for another year because the debt has to be considered delinquent for 2 years. Does this sound right?
Should i try calling back an try negotiating with another collector?
Lastly which is more likely to gain a higher credit score? Paying the collections and having it as "paid in full" status or paying down my utilization from lets say 80% to 35-40%?
Thank you guys for the help
Could you guys recommend me a 3rd card? So far I have Capital One Platinum and a Discover IT. I don't travel and my credit score is mid 700s.
amex blue cash is a good choice. you can also look at Chase freedom unlimited or maybe the Citi Double cash back card. Or.....you could upgrade your Cap1 platinum to the Quicksilver and get 1.5 cash back on all purchases.
Could you guys recommend me a 3rd card? So far I have Capital One Platinum and a Discover IT. I don't travel and my credit score is mid 700s.
You, me, and manyy others. It's been discussed in like 3 threads, that I've seen, and that keeps commin up LOL....I'm still befuddled at someone paying $38K for a Kia
amex blue cash is a good choice. you can also look at Chase freedom unlimited or maybe the Citi Double cash back card. Or.....you could upgrade your Cap1 platinum to the Quicksilver and get 1.5 cash back on all purchases.
creditkarma.com
where can I get a free credit report? with no penalty...
where can I get a free credit report? with no penalty...